How to safeguard your future against rising costs When you’re working, an increase in your weekly shop or energy bill is frustrating but manageable, typically offset by salary increases over time. In retirement, with income fixed at pensions or savings, rising prices can threaten your financial security.

How to safeguard your investment income from higher tax rates From 6 April 2026, the government increased dividend tax rates by 2 percentage points. The ordinary rate rose to 10.75%, and the upper rate to 35.75%, while the additional rate remains at 39.35%. However, you don’t pay tax on dividend

Give your investments a head start and future-proof your finances The new tax year brings a fresh £20,000 Individual Savings Account (ISA) allowance for each individual, giving couples the potential to invest up to £40,000 between them, offering a valuable opportunity to shield your investments from capital gains and dividend

Understanding how removing the pensions exemption 
could affect your legacy For decades, UK savers have relied on pensions not only for retirement income but also as a highly tax-efficient way to pass on wealth. Under current rules, pension pots generally fall outside your estate for Inheritance Tax (IHT) purposes. However,

Empowering your future with greater pension freedom Planning for retirement is a crucial step in securing your financial stability for the years ahead. For those seeking greater involvement in how their pension savings are invested, a Self‑Invested Personal Pension (SIPP) can offer a flexible and innovative option.

An increasing number of estates are falling within the tax net every year An increasing number of estates are falling within the Inheritance Tax net each year, largely due to rising property prices and frozen tax thresholds. The Office for Budget Responsibility forecasts that HM Revenue & Customs (HMRC) will